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Distressed Note Industry
Minnesota Agricultural Loans
Analyzing agricultural loans loan performance across 402 Minnesota banks
As of Q2 2025, 402 Minnesota banks report agricultural loans portfolios totaling $8.5B. Non-performing loans in this category total $57.4M — an average NPL ratio of 0.67% — with $51.5M 30-89 days delinquent, $21.7M 90+ days delinquent, and $35.7M in nonaccrual status. The most distressed lender in this category is RED RIVER STATE BANK (MN) with an NPL ratio of 20.70%.
Total Lenders
402
Total Loan Portfolio
$8.5B
Total NPL
$57.4M
Average NPL %
0.67%
Delinquency Breakdown
30-89 Days
$51.5M
90+ Days
$21.7M
Nonaccrual
$35.7M
Charge-offs
$1.6M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Agricultural Loans in Minnesota
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| RED RIVER STATE BANK | MN | $18.5M | $3.8M | 20.70% |
| RED RIVER STATE BANK | MN | $18.5M | $3.8M | 20.70% |
| CONCORDE BANK | MN | $11.2M | $1.7M | 14.86% |
| CONCORDE BANK | MN | $11.2M | $1.7M | 14.86% |
| HOMETOWN COMMUNITY BANK | MN | $8.2M | $1.2M | 14.18% |
| HOMETOWN COMMUNITY BANK | MN | $8.2M | $1.2M | 14.18% |
| LOWRY STATE BANK | MN | $5.6M | $600K | 10.70% |
| LOWRY STATE BANK | MN | $5.6M | $600K | 10.70% |
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Agricultural Loans in Other States
Alabama
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Ohio
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Tennessee
Texas
Utah
Vermont
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Washington
West Virginia
Wisconsin
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District of Columbia
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